When it comes to selecting a bank, you do not have to settle. There are various options to choose from, allowing you to find a bank that will meet your needs. If you are in search of a new bank, there are several factors that you need to keep in mind when comparing the different options including monthly maintenance and ATM charges, interests, and customer service. Here are the top 3 banks that you should consider in 2015.

TD Bank
This bank has more than 1200 branches in 15 states and the District Capital. TD Bank is one of the leading financial institutions because of its great interest rates on savings and checking accounts particularly for customers who have high balances. If you sign up for its Premier Checking account, you do not have to pay any out-of-network ATM fees. The bank will also reimburse surcharges paid when you use ATMs from other banks to withdraw money. This is impressive considering that it is one of the largest banks in the country.

TD Bank does not offer free accounts but for those who maintain a maximum of $12,500 with the bank, you can take advantage of the Convenience Checking and Simple Savings options that allow you to limit your maintenance fees to between $100 and $300.

Another amazing aspect is that the bank is open late during weekdays and you can get banking services on Saturdays and Sundays. It has one of the longest bank hours in the country.

Ally
For those who want an online bank, Ally is a great choice. This bank provides the best package when it comes to savings and checking accounts. The interest rates paid on these accounts are higher compared to other banks and there are no maintenance charges. With this bank, you can use different ATMs without worrying about costs. If your balance is more than $15,000, you earn 0.60% interest. This is the highest interest among all the online banks available in the country. Its interest rate on savings is also the highest. Another impressive aspect about this banks is that you have access to 24/7 customer services through instant messenger or phone.

Capital One
This bank has 900 branches in various states including Virginia, Texas, New Jersey, Maryland, New York, Louisiana, D.C., Connecticut, and Delaware. Capital One is one of the top banks in 2015 because of high yields in its no-fee accounts. Customers enjoy a profitable first year because of the great introduction rates on savings. You can earn 0.75% interest if your bank balance is more than $10,000. The bank also offers a High-Yield Checking account that has a good ATM policy. It is important to note that you will need to maintain a $5000 bank balance on your accounts to retain the High-Yield Checking.

It is advisable to compare the different accounts that are offered by these three leading banks and their maintenance fees, interest rates, and ATM charges before settling for one. Your bank balance will influence how much you will earn as interest. It is important to consider long term interest rates as opposed to initial offers if you intend to open a savings account. Stay tuned for our next review, where we take on Payday lenders.